105 Kelp Ln, Aptos, CA 95003 Property Records

Santa Cruz County property record for 105 Kelp Ln, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,891 sqft · built 1980
Lot Size	0.102 acres (4,443 sqft)
Owner	Company Name on Record
Last Sale	$670,000 (Nov 2012)
Tax Bill	$10,862 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`042-055-03`

Property Details

APN / Parcel Number

Primary APN	`042-055-03`
Alternative APN	`042-055-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,891 sqft Living Area
Gross Area	2,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Other
Lot Area	4,443 sqft (0.102 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,112 sqft
Patio Area	1,112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	105 KELP LN
City	APTOS
State	CA
Zip	95003-4410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	BLK I LOT 12
Legal Subdivision	SEACLIFF PARK 08
Legal Block	I
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2018
Census Tract	122100

Owner

Source: Santa Cruz County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	105 KELP LN, APTOS, CA 95003-4410
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Feb 29, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2012 · Amount on Record
Deed Sale	Nov 9, 2012 · Amount on Record
Prior Sale	Feb 25, 1998 · Amount on Record
Deed Document Number	201255553
Prior Transfer Date	Mar 4, 1996
Prior Transfer Doc	0000014587
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 KELP LN, APTOS, CA 95003-4410
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5722 WHEELSMAN PL, SAN JOSE, CA 95123-2970

Mortgage

Document Number	0000032373
Date	Jun 11, 2021
Instrument	2021-0032373

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	263 Months
Due	May 1, 2043

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 KELP LN, APTOS, CA 95003-4410
Document Number	0000008617
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	105 KELP LN APTOS CA 950034410, APTOS, CA 95003-4410

Mortgage

Document Number	0000008617
Date	Mar 12, 2020
Instrument	8617

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$841,558 (+2%) Land $504,935 Building $336,623
2025	$10,862.00 (+9.48%) Homeowner's exemption	$825,057 (+4.04%) Land $495,034 Building $330,023
2023	$9,921.00 (+2.26%)	$793,020 Land $475,812 Building $317,208	$1,189,890
2022	$9,702.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	57 (1978–2023)
Claims Outside the SFHA	3 of 57
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 17 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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